Uncomfortable, yes. Accessible, hardly. For those of us with lengthy daily commutes, "Vehicle Carry" warrants alternative means of "holstering".
If your body type does not afford appendix carry, off body is probably your best option. It gets complicated quickly when you may be traveling with others who do not have a CHL. Even more so if they are not like minded. Additionally, if you frequently exit the vehicle, like stopping for gas or coffee, don't become complacent with the firearm. Lock it up or take it with you, every time. If it is your only weapon, as in your EDC, you run an exponentially increased risk handling said loaded weapon. In and out of your on body holster several times a day quickly increases your chances of an ND. Solution, two, keep one on your person, the other dedicated as "vehicle carry". If you think a second firearm is pricey, consider the consequences of an ND.
Again, lock it up. Please don't give a smash n grab thug a loaded weapon.
FWIW, aside from the first year or two Ohio issued CHL's, every interaction with LEO has been entirely uneventful after promptly informing of my CHL and possession of a weapon.
Your mileage may vary.